EDUCATION

1993 Ph.D. Risk Management and Insurance, Florida State University.
Minor: Real Estate; Dissertation Title: "Rate Equity in the Computation of Premiums for Automobile Insurance for Young and Mature Drivers: A Theoretical and Empirical Examination"

1982 M.B.A. University of Mississippi.

1980 B.B.A. University of Mississippi.

EXPERIENCE

2003-present
Professor, Department of Economics and Finance, Middle Tennessee State University, Murfreesboro, Tennessee

1998-2003
Associate Professor, Department of Economics and Finance, Middle Tennessee State Universit1y, Murfreesboro, Tennessee.

1992-1998
Assistant Professor, Department of Economics and Finance, Middle Tennessee State University, Murfreesboro, Tennessee.

1995-1996
Assistant Professor, Department of Finance, Insurance and Real Estate, The University of Memphis, Memphis, Tennessee (on leave from MTSU).

1990-1992
Graduate Instructor, Florida State University, Tallahassee, Florida.

1989-1992
Adjunct Instructor, Tallahassee Community College, Tallahassee, Florida.

1985-1989
Instructor, Delta State University, Cleveland, Mississippi.

1984-1985
Claims Representative, Shelter Insurance Companies, Jackson, Mississippi.

1976-1984
Property/Casualty Insurance Agent, W. Norman Insurance Agency, Inc., Houston, Mississippi (Part Time and Summers).